Farming land Essay Example for Free

Farming land Essay In the late 1800s, many farmers were trapped in a vicious economic cycle. Crops prices began falling and farmers were often forced into mortgaging their farms so they could buy more land and produce more crops to break even. Good farming land was becoming rare and the banks took over the mortgages of farmers who couldnt make payments on their loans. The railroads, on the other end, took advantage of farmers by charging them extreme prices for shipping and storage. Both equally frustrating the farmer, who pretty much resembled a larger economic problem because if he wasnt doing well then the whole nation can’t do well either. Banks controlled the farmer, they watched the farmers and had input on everything they did. The Banks relentlessly took over the mortgages of farmers who couldnt make payments on their loans (doc d). Generally, the average farmer struggled during the late 1800’s due to the huge increase of agriculture worldwide. Because of many technological improvements, which boosted competition, now farmers faced foreign competition, and are now forced to adjust the prices of their crops to stay competitive. An increase of production repaid the farmers losses only temporarily. However, farmers soon realized the limitations of farming land. Also they realized that their own surplus of crops just lower the cost so in the end they dont make as big of a profit. (doc e). The troubles of a farmer were part of a larger economic problem that was affecting the entire nation. Deflation followed the Civil War, which made the amount of money in circulation decreased therefore the value increased. This was bad for the farmer because products took up a lower value. Loans that needed to be repaid with dollars are now worth more than what the farmers had originally borrowed, so many farmers lost money. The farmers saw a solution. It was the use of cheap money to reverse the effects of deflation. Farmers demanded the increase of greenbacks with the addition of unlimited coinage of silver (doc b). With the passage of the Bland-Allison Act in 1878, around 2 to 4 million was added to the silver supply. Yet that only eased it, and didn’t solve the main problem (doc). To make things even worse, railroad companies added more load on the  farmers by taking advantage with prices to transport grain. A lack of competition among the railroads enabled them to put high costs, sometimes making a shipment of grain nearly unprofitable (doc h). Also, railroads gained control over grain storage prices, enabling their influence over the market of price of crops. Justifying the transport prices became unchallengeable due to the lack of competition (doc g). There’s not much farmers can do than hope for some reforms since they’re stuck in a cycle of credit that meant longer hours and more debt with every year. Good farming land quickly became rare and the banks took over the mortgages of farmers who couldnt keep up with payments on their loans. The railroads took advantage of farmers by charging them excessive prices for shipping and storage. As a solution the Bland-Allison Act in 1878 was pasted. The issue of the farmers debt stuck around. There validity of the farmer complaints is totally acceptable due to all the struggles and hardships they went through.

The Diverse Landscapes of Life :: Biology Essays Research Papers

The Diverse Landscapes of Life Living organisms have been found to exist in many diverse environments on this planet; places where perhaps no human had thought to look before. Sometimes life is found because of the wild imaginations of a few curious people – other times it is stumbled upon nearly by accident. This paper will explore two seemingly unlikely landscapes of life, and will highlight the successes of discovering new living organisms in terms of expanding the array of possibility and our perception of the question "What is Life?" One environment receiving a lot of attention from scientists is the bottom of the ocean. Earlier in history it was thought that no creature could survive under the immense pressure and the total darkness of the ocean. The landscape remained untouched by humans, because without that sense of possibility for life, the technology was not created to explore the area. Until finally, in 1972, studies conducted near the Galapagos Islands reported vents, or hot water plumes. Now that something unexpected had been found, curiosity, possibility and new questions arose. The search began to accelerate along with the technology. A deep-sea robot named Alvin was sent exploring and a whole array of bottom dwellers was found. There were giant worms, clams and mussels (1). Once a community of living organisms has been found in a foreign environment, explanations will start rolling out. These hypotheses generally attempt to compare the system of life to our own systems – grappling for similarities among the resources of the new landscape those we are already familiar with. For instance, in forests and jungles (environments which are very understandable to us) there are some animals that can climb or fly to the tops of the trees where the fruit is. Other animals must stay on the ground, and so they live off of fruit which has fallen out of the tree. When a few organisms were found in the depths of the sea, it was first conjectured that they ate food that floated down to them from the "lighted regions of the ocean" (1), which seems very similar to the configuration of the familiar woodland food-system. This story was adequate until it was discovered that entire "cities" of creatures were thriving down at the bottom of the ocean – biologists had to come up with a new story. There are hydrothermal vents called black smokers which let off heat and chemicals from the bottom of the ocean.

Locker Room Talk Essay

Page 1 Locker Room Talk Ethical Case April 18, 2010 Page 2 The Locker Room Talk Ethical Case outlines a situation that is an ethical dilemma for CPA Albert Gable who has performed personal financial planning for Larry and Susan Wilson. The Wilson’s, in their discussions with Mr. Gable regarding their personal finances, mentioned that in the past they have had marriage problems but have worked through the problems and are not seeking a divorce. Gable and the Wilson’s became personal friends due to the relationship built during their personal financial planning. Mr. Gable also performs the annual audit for one of the largest banks in the town where they all live. The sample pulled for the audit at the bank included the Wilson’s loan information. While performing the audit, Mr. Gable discovers information on the Wilson’s loan that does not coincide with the information given to him during the personal financial planning. Mr. Gable is concerned and addresses the discrepancy with a loan officer but did not confide to the loan officer that he was also their personal financial planner. The loan officer confided in Mr. Gable that Mr. Wilson was setting up his business to divorce his wife without any compensation. This situation puts Albert Gable in a situation with a conflict of interests. His personal financial client is also a client of the bank where he performs the annual audit. The information the Wilson’s provided to him during their personal financial planning conflicts with the information provided on loan documentation at the bank. Albert Gable needs to determine the best course of action to take in this situation. The Stakeholders The stakeholders involved are: Page 3 1. Albert Gable – As the CPA, his professional business ethics are at risk and his personal reputation is on the line. He also has a large bonus weighing on his decision. 2. Mrs. Wilson – She has the understanding that her marriage is not at risk and the financial planning is for the benefit of her and her husband for their future. 3. Mr. Wilson – If he is not being honest with his wife and is planning on divorcing her, the information that Albert has uncovered during the audit could create problems for him. . The loan officer – the loan officer that shared Mr. Wilson’s personal information with Mr. Gable. 5. The bank – the relationship Mr. Gable had with the Wilson’s as personal financial planner was not disclosed to the bank and is a conflict of interest. Course of Action The best course of action that Mr. Gable should take is to meet with the Wilson’s and explain that he cannot continue w ith their personal financial planning. He should have them seek out another financial planning firm to complete their personal financial plans. He should explain to them that he completes the annual audit for the bank and during the audit he discovered discrepancies with the loan information and the bank statements provided to him to prepare their personal finances and due to the discrepancies he feels it is necessary to remove himself as their personal planner. By removing himself as the Wilson’s personal financial planner, this eliminates the conflict of interest with the bank audit. By informing the Wilson’s they need to locate another Page 4 irm and cannot use the CPA firm he is partner with for financial planning removes all conflict business and personal and maintains business and personal ethics. Furthermore, he needs to notify the bank of the conflict with the Wilson account and that he will not be able to conduct an audit of their accounts due the relationship that was initially formed with the personal finance planning. By following the above steps he protects the clients, the bank and upholds his pro fessionalism and his business ethics. Impact to Stakeholder The deontology approach was used to determine the course of action. This approach to ethics emphasizes doing what one should do in accordance with rules, obligations and/or ethical principles of the profession. The impact of the decision could cost Mr. Gable the banks account but if he would have acknowledge upfront his knowledge of the Wilsons prior to beginning the audit on their loan documents the situation could have been diverted. He is also losing a client, the Wilson’s due to the bank audit and the review he completed of their loan documents. If he would have acknowledged to the bank and had the file removed from the audit all of this could have been avoided. Mr. Gable will need to take the time and explain to his client the Wilson’s but he needs to keep it at a professional level and not discuss what was discovered only that it is conflict of interest. Conclusion Mr. Gable used poor judgment in his decision making process and has violated the ethic rules of the accounting profession. During the audit of the bank documentation he should have immediately notified the bank of the conflict with the Wilson file. He needed to be upfront with the bank and explain the Wilson’s were also a client of his for personal financial planning Page 5 nd have the file removed from the sample audit or bring in a third party to complete the audit on the Wilson documents. The loan officer should not have shared the personal information with Mr. Gable and Mr. Gable should have ended the conversation before it began. Sharing with the Wilson’s that discrepancies were noted between bank statements and loan documentation will allow the Wilsonà ¢â‚¬â„¢s to clear up the discrepancies at the bank in regards to their accounts. Page 6 References Brooks, L. J. , 2007. Business & professional ethics for directors, executives & accountants (4th ed). Mason, OH: Thomas South-Western.

Substance Abuse And Mental Illness - 990 Words

A Review of Substance Abuse and Mental Illness Substance use is very common among people diagnosed with mental illness. This paper will examine the results of two studies on, at high risk and want to quit: Marijuana use among adults with depression or serious psychological distress by Yuyan Shi (2014). Factors associated with depression and suicide attempts in patients undergoing rehabilitation for substance use by Ortiz-Gomez, Lopez-Canul, and Arankowsky-Sanoval (2014). In conducting their study Shi (2014) examined the relationship between relationship between marijuana and depression. They examined the risk and quit behavior among adults living with depression or a serious psychological distress in comparison with those who do not. They also examined the relationship between Marijuana use and the time of diagnosis (how recent). Shi (2014) also studied the risk of dependence of Marijuana among adults with depression or serious psychological distress. The purpose of this article deepen our understanding of the relationship between marijuana use and mental health problems, improve the screening for high risk marijuana use subgroups, and provide guidance in the treatment development for the targeted population. (Shi, 2014) Shi (2014) conducted his study at the University of California in San Diego. The 39,133 participants were non-institutionalized adults from the 2011 National Survey on Drug Use and Health. The participants age ranges were between 18 and 65. Shi (2014)Show MoreRelatedSubstance Abuse And Mental Illness2671 Words   |  11 Pagesill and substance abuse. Substance abuse is often seen in adolescents and adults, whether they are mentally ill or not. Mental illness and substance abuse is more commonly known as a dual diagnosis. Often times, the treatment for this particular diagnosis is harder to treat than if each condition were treated on its own. 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